Are you looking for debt consolidation – no loans?Often the only way to consolidate debt can be to get a debt consolidation loan and you might think that there are no options for debt consolidation: no loans.But there are ways that you can consolidate debt without a loan. This can have a number of advantages for you, you won’t have to worry about taking out a secured loan against your home or worrying about getting into more debt. In fact debt consolidation: no loans, can be a good way for you to make your current debt much more affordable to you.No loans debt consolidation will allow you to reduce your outgoings. This can really help make your secured debts more affordable to you, such as your mortgage or secured loan. You should find that your priority debts are less of a struggle as debt consolidation with no loan means that you have greater control over your finances. Instead of making multiple creditor payments to cover your loan, what debt consolidation: no loans allows you to do is lower the risk of making missed or late repayments as you only have one debt to make a payment to. This could save you money in the long run, as bank charges and penalties can soon add up!No loans debt consolidation is also know as a debt management plan. A debt management plan is a debt solution which allows you to make reduced payments to your unsecured creditors. Some creditors also freeze additional interest and charges on your debt. Although consolidating debt with no loan does mean that you will be paying back your debt over a longer period, you will benefit from making your debt more affordable to you in the short term.If you have debts over £15,000 then you might want to consider if an IVA is your best debt consolidation, no loans option. An IVA (Individual Voluntary Arrangement) is a legally binding agreement between the debtor and their creditor which offers a certain amount of debt relief. Any unaffordable debt can be written off as part of your IVA and all interest and charges are frozen. This will offer debt consolidation, no loans required, as you will be making one reduced monthly payment to cover your unsecured debt.